01 · Concept · Human capital
Invest in people, not companies
We digitise the achievements of school and university students, turn them into a verifiable on-chain rating and open it to investors. The goal is to redirect capital: so that large players and funds invest in the youth of their country, not only in companies that already have access to money.
02 · The asset
A person's achievements are an asset. We make it visible and investable.
Today a young person's achievements — olympiad wins, grades, test scores, projects — are scattered across certificates, references and PDFs. They cannot be verified in one click, cannot be compared and cannot raise capital. It is value without a market. Holdmark digitises these results.
Schools, olympiad committees, universities and testing centres verify the data at the source; the verified achievements are assembled into a single rating — the Holdmark Score, which lives on the blockchain as a person's verifiable digital passport.
The investor sees transparent, verified profiles — and can invest in a specific person or in a whole cohort: fund education in exchange for a share of future income (income-share agreement logic). For the person it is capital without collateral or personal debt. For the investor it is access to a new asset class: the future income of talented people.
03 · Holdmark Score
One rating built from verifiable data
04 · How it works
Six steps from achievement to capital
- 01A person joins the platform (voluntarily)
- 02Data is verified at the source
- 03The Holdmark Score and passport are assembled
- 04An instrument is structured (ISA logic, sandbox, tokenisation)
- 05Investors invest
- 06Income is distributed to holders; the secondary market provides liquidity